The bottom line
Chase charges 2.6% + 10¢ for each in-person card sale, and pays you the same day if you deposit into a Chase business checking account. A month with $10,000 in card sales over 400 payments costs about $300 in processing.
The catch is the monthly fee. Chase says monthly fees may apply to certain products and plans, but doesn’t publish them. Get them in writing before you sign.
Chase fees at a glance
Visit Chase- Pricing model
- flat
- Contract
- Not published
- Payouts
- Same day into a Chase business checking account
| Payment type | Rate | Source |
|---|---|---|
| In person (card present) | 2.6% + 10¢ | chase.com |
| Online | 2.9% + 25¢ | chase.com |
| Keyed in | 3.5% + 10¢ | chase.com |
Monthly fees and plans
- Monthly fees: not published
Checked October 19, 2026 on chase.com. Prices change, so confirm with Chase before you sign.
Who it’s for
- Businesses that already bank with Chase. Same-day deposits into Chase business checking come at no extra cost, Chase says.
- Shops that want one simple in-person rate. Tap, insert and swipe all cost 2.6% + 10¢, including Tap to Pay on a phone.
- Owners who care about cash flow. Payments completed by 5 p.m. PT, Sunday to Friday, land the same day.
Who should skip it
- Owners who want every fee published up front. Chase doesn’t list its monthly fees.
- Businesses that bank somewhere else. The same-day deposit perk needs a Chase business checking account.
- Shops that type in a lot of cards. Keyed-in payments and payment links cost 3.5% + 10¢.
- Businesses in US territories. Chase says QuickAccept isn’t available there.
The catch
Monthly fees aren’t published. Chase says “Monthly fees may apply to certain products and pricing plans.” No amounts are given.
Same-day money needs a Chase account. Same-day funding goes into a Chase business checking account.
Chase’s own pages disagree on the keyed-in rate. The merchant fees page and its FAQ say 3.5% + 10¢. The payments overview page says 3.5% + 15 cents. Ask which one applies to you.
Hardware is extra. Chase says “Hardware and accessories can be purchased separately at an additional cost.” It doesn’t publish hardware prices on the pages we checked.
Contract terms aren’t published. Ask about the term length and any cancellation fee.
What it costs at your size
These are estimates. They use Chase’s published rates and leave out any monthly fees, since Chase doesn’t publish them.
Example 1: $10,000 a month in person, 400 payments.
- Rate: 2.6% × $10,000 = $260
- Per-sale fee: 400 × 10¢ = $40
- Estimated processing: $300 a month, plus any monthly fees
Example 2: $10,000 a month online, 200 orders.
- Rate: 2.9% × $10,000 = $290
- Per-order fee: 200 × 25¢ = $50
- Estimated processing: $340 a month, plus any monthly fees
Once Chase quotes its monthly fees, add them to these numbers and compare in the fee calculator.
Compared with
Beyond the rate
What the rate table doesn't show, taken from Chase's own terms and help pages.
Can they hold your money?
Chase says it can put a temporary hold on your funds while it reviews them, usually for risk or fraud.
Source: chase.com
Common questions
How much does Chase charge per transaction?
Chase lists 2.6% + 10¢ for tap, dip or swipe payments, including Tap to Pay on a phone. E-commerce payments are 2.9% + 25¢. Keyed-in payments, payment links and its virtual terminal are 3.5% + 10¢ on its merchant fees page, though another Chase page says 3.5% + 15¢.
Does Chase charge a monthly fee for card processing?
It may. Chase's merchant fees page says "Monthly fees may apply to certain products and pricing plans." It doesn't say which products, which plans or how much. Before you sign up, ask Chase to list every monthly fee for your setup, in writing, so you can add it to your cost.
How fast does Chase pay out?
Chase says you get same-day deposits at no extra cost when you deposit into a Chase business checking account, for payments completed by 5 p.m. PT, Sunday to Friday. If you bank elsewhere, Chase's pages don't promise the same speed.
Do I need a Chase bank account?
For same-day deposits, yes. Chase says same-day funding goes into a Chase business checking account, and its QuickAccept tool is built into its Chase Business Complete Banking account. Chase also says QuickAccept isn't available in US territories or outside the US.